Metropolitan College of New York

As an international student studying at the Metropolitan College of New York, international student health insurance is one of the most important aspects of your time abroad. That is why the Metropolitan College of New York has selected International Student Insurance to provide their students with affordable, yet comprehensive international health and travel insurance plans.

This shorter duration policy is available up to 364 days and includes coverage for hospitalizations, doctors visits, lost luggage, trip interruption and much more.

To assist students, our team of friendly customer service agents are on hand to provide you with information, help
and advice on choosing the best plan for your needs. Please contact us by phone, email or live chat and we will make
sure you buy the right plan for your needs.

Atlas Travel | Benefits

The table below outlines the policy benefits available, per individual, on the Atlas Travel International Travel
Medical Insurance plan. Coverage is available for both US and Non-US Citizens who are planning to travel, study or
live abroad with coverage starting at just 5 days and up to 364 days inside the USA and 1 year outside the USA with
renewal possibilities of up to 3 years.

Please review the table for full details and if you have any questions, please contact our customer support team for assistance.

Please note -
The benefit table listed above is a consolidated version of the full plan benefits. Please
view the plan certificate for the full benefits and limitations of the plan.

Pre-Existing Medical Conditions

This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

Pre-existing Condition means any

condition for which medical advice, diagnosis, care, or treatment (includes receiving
services and supplies, consultations, diagnostic tests or prescription medicines) was
recommended or received during the 2 years immediately preceding the certificate effective
date;

condition that had manifested itself in such a manner that would have caused a
reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes
receiving services and supplies, consultations, diagnostic tests or prescription medicines)
within the 2 years immediately preceding the certificate effective date;

injury, illness, sickness, disease, or other physical, medical, mental, or nervous
conditions, disorder or ailment (whether known or unknown) that, with reasonable medical
certainty, existed at the time of application or within the 2 years immediately preceding the
certificate effective date. For the purposes of the Complications of Pregnancy coverage
offered hereunder, pregnancy will not be included within the definition of a pre-existing
condition.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

Medical & Repatriation Expenses

Subject to the limits set forth in the Schedule of Benefits and Limits, and subject to the conditions and restrictions contained in this provision, we will pay the following expenses incurred while this insurance is in effect.

Medical Expenses

We will pay

Charges made by a hospital for:

Daily room and board and nursing services not to exceed the average semi-private room rate; and

Daily room and board and nursing services in Intensive Care Unit; and

Use of operating, treatment or recovery room; and

Services and supplies which are routinely provided by the hospital to persons for use while inpatients; and

Emergency treatment of an injury, even if hospital confinement is not required; and

Emergency treatment of an illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when you are directly admitted to the hospital as inpatient for further treatment of that illness.

Surgery at an outpatient surgical facility, including services and supplies.

Charges made by a physician for professional services, including surgery. Charges for an
assistant surgeon are covered up to 20% of the usual, reasonable and customary charge of the
primary surgeon, but standby availability will not be deemed to be a professional service and
therefore is not covered hereunder.

Dressings, sutures, casts or other supplies which are medically necessary and administered by or under the supervision of a physician, but excluding nebulizers, oxygen tanks, diabetic
supplies, other supplies for use or application at home, and all devices or supplies for repeat use
at home, except durable medical equipment.

Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.

Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder.

Hemodialysis and the charges by the hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.

Oxygen and other gasses and their administration by or under the supervision of a physician.

Anesthetics and their administration by a physician.

Drugs which require prescription by a physician for treatment of a covered injury or illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription.

Care in a licensed extended care facility upon direct transfer from an acute care hospital.

Home nursing care in bed by a qualified licensed professional, provided by a home health care agency upon direct transfer from an acute care hospital and only in lieu of medically necessary inpatient hospitalization.

Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in inpatient hospitalization.

Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which was covered under this insurance.

Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24 hours of the acute onset of pain.

Medically necessary rental of durable medical equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.

Physical therapy or chiropractic care if prescribed by a physician who is not affiliated with the physical therapy or chiropractic practice, necessarily incurred to continue recovery from a covered injury or illness.

Injury or illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Emergency Medical Evacuation

We will pay

Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and

Emergency ground transportation necessarily preceding emergency air transportation; and from the destination airport to the hospital where you will receive treatment.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The illness or injury giving rise to the expense are covered under this insurance; and

Transportation by any other method would result in the loss of your life or limb; and

Recommended by the attending physician who certifies to the above; and

Agreed upon by you or your relative; and

The condition giving rise to the Emergency Medical Evacuation occurred spontaneously and
without advance warning, either in the form of physician recommendation or symptoms
which would have caused a prudent person to seek medical attention prior to the onset of the
emergency.

We will not pay for claims arising directly or indirectly from

Travel arrangements, excluding Emergency Local Ambulance, that are not approved in advance and coordinated by us; and

Anything mentioned in the General Exclusions.

We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to
provide the medically necessary treatment, services and supplies to prevent your loss of life or limb.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home country if the attending physician and our medical consultant agree that transfer to the home country is more appropriate than transfer to the nearest qualified hospital.

Trip Interruption

We will pay:

The cost of an economy one-way air or ground transportation ticket for you to the terminal serving the area of your principal residence, and/or

The cost of an economy one-way air and/or ground transportation ticket for you from the area where you were hospitalized following an Emergency Medical Evacuation to the area where you were initially evacuated from or to the terminal serving the area of your principal residence. We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Following receipt of proof of one or more of the following events: destruction, after departure from home country, resulting from fire or weather of more than 40% of your principal residence, or death of a parent, spouse, sibling, child, or grandchild, or

Following a covered Emergency Medical Evacuation when the attending physician states that it is medically necessary for you to return to your home country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Return of Minor Children

We will pay:

The cost of a one-way economy air and/or ground transportation ticket for each covered minor child to the terminal serving the area of the principle residence of each minor child.
We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

You are the only person age 18 or older, traveling with one or more minor children under the age of 18 who are also covered hereunder, and

You are hospitalized for treatment of a covered illness or injury, resulting in the children being left unattended for a period of time expected to exceed 36 hours, and

The Return of Minor Children benefit must be agreed upon by you and/or by an authorized adult relative of the affected, covered minor children.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

Political Evacuation

We will pay:

If the U.S. government issues a travel warning after your arrival in the destination country, we will provide the cost of transportation by the most economical means possible for you to the nearest country of safety or to your home country, provided that you contact us within 10 days of the date the warning is issued.

Determination of the country to which you will be evacuated will be determined by us.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Repatriation of Remains

We will pay:

Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and

Reasonable costs of preparation of the remains necessary for transportation.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

When the illness or injury giving rise to the expense are covered under this insurance.

We will not pay for claims arising directly or indirectly from

Travel arrangements that are not approved in advance and coordinated by us; and

Anything mentioned in the General Exclusions.

We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.
The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. You agree to hold us harmless and we shall not be held liable for any delays that are not within our direct and immediate control.

Local Burial or Cremation

We will pay:

For you to be buried or cremated in the country of death in lieu of Repatriation of Remains up to the specified benefit maximum.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met.

We will not pay for claims arising directly or indirectly from

Travel arrangements that are not approved in advance and coordinated by us; and

Use in conjunction with the Emergency Evacuation or Repatriation of Remains benefit; and

The death occurring in your home country.

Anything mentioned in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

Hospital Indemnity Benefit & Visitation Expenses

Hospital Indemnity

We will pay:

The Hospital Indemnity benefit for each night you spend in the hospital.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Only following receipt of verification of an eligible inpatient hospitalization.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Emergency Reunion

We will pay:

The cost of an economy round-trip air or ground transportation ticket for one relative for
transportation to the terminal serving the area where you are hospitalized or are to be
hospitalized following Emergency Medical Evacuation; and

Reasonable expenses for lodging and meals for the relative, which are incurred in the areawhere you are hospitalized for a period not to exceed 15 days.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Only following a covered Emergency Medical Evacuation.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Bedside Visit

We will pay:

The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

While you are confined to a hospital intensive care unit following a covered life-threatening bodily injury or life-threatening illness.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Pet Return

We will pay:

The cost of a one-way economy air and/or ground transportation ticket for a pet to be returned to the terminal serving the area of your principle residence.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

You are the only person age 18 or older traveling with the pet, and

You are hospitalized for treatment of a covered illness or injury, resulting in the pet being left
unattended for a period of time expected to exceed 36 hours.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Lost Checked Luggage

We will pay:

Replacement of clothes and personal hygiene items, not to exceed $50 any one item.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The lost checked luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with you, on board a regularly scheduled commercial airline or cruise line, upon which you were a fare-paying passenger; and

You must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the
lost checked luggage; and

You must provide us with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and

The lost checked luggage must be lost as of the date of our payment and as of that date, must have been lost for at least 10 days.

Personal Accident - Accidental Death and Dismemberment

Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.

Loss of 2 or more Limbs or eyes – we will pay the amount indicated in the Schedule of Benefits to you.

Loss of 1 Limb or eye – we will pay one-half of the amount indicated in the Schedule of Benefits to you.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The accident giving rise to the accidental death must not be a common carrier accident; and

Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

In no event will our payment under this benefit total more than the principal sum; and

The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

We will not pay for claims arising directly or indirectly from

Accidents or loss caused by or contributed to by any of the following:

Terrorism, war or act of war, whether declared or undeclared.

Your participation in a riot, insurrection or violent disorder.

Your service in the armed forces of any country.

Suicide or attempted suicide or self-inflicted injury, while sane or insane.

The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.

Committing or attempting to commit a felony.

Sickness, mental health disorder, or pregnancy

As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,

Myocardial infarction or cerebrovascular accident (CVA / Stroke).

Infection, except infection through a wound caused solely by an accident.

Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.

Medical or surgical treatment for any of the above.

Any non-covered sports activities.

Anything mentioned in the General Exclusions.

Common Carrier Accidental Death Benefit

We will pay:

The amount indicated in the Schedule of Benefits to the beneficiary.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line; and

Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and

The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by
external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows:
Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.
Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

Sports and Activities

You are covered for taking part in amateur/non-professional sports and activities, unless it is excluded below. Coverage is for recreational purposes incidental to a trip.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.

Any activity performed in a professional capacity or for any wage, reward, or profit; and

Anything mentioned in the General Exclusions; and

Any of the excluded items listed below:

All-Terrain Vehicles

American Football

Aussie Rules Football

Aviation (except when traveling solely as a passenger in a commercial aircraft)

Base Jumping

Big Game Hunting

Bobsleigh

Boxing

Cave Diving

Football (Soccer)

Hang-Gliding

Heli-Skiing

Hot Air Ballooning as a Pilot

Ice Hockey

Jousting

Kite-Surfing

Luge

Martial Arts

Modern Pentathlon

Motorized Dirt Bikes

Mountaineering at elevations of 7,000 meters or higher

Outdoor Endurance Events

Parachuting

Paragliding

Parasailing

Powerlifting

Quad Biking

Racing by any Animal, Motorized Vehicle, or BMX, and Speed Trials and Speedway

Rugby

Running with the Bulls

Skeleton

Sky Surfing

Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)

Crisis Response

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Notification: Before surrendering a ransom, the person authorizing the surrender shall have notified or made every reasonable attempt to notify:

The Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened; and

Unity Resources Group.

The surrender of a ransom must not be:

Carried by, transported by or otherwise in your possession at the time that an express kidnapping or kidnapping first occurs; or

At the location where an express kidnapping or kidnapping first occurs, unless brought to such location for the sole purpose of conveying a previously communicated ransom demand.

Limits of Liability:

Certificate Period Aggregate: Our total liability for all insured losses shall not exceed the certificate period aggregate set forth herein.

In the event that you are covered by two or more policies issued by us covering insured losses arising from a kidnapping or express kidnapping, it is agreed that our aggregate liability for insured losses sustained by you shall not be cumulative and shall in no event exceed the largest amount available under any one of the policies

Valuation: We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred.

Confidentiality: You must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

We will not pay for claims arising directly or indirectly from

Any kidnapping or express kidnapping that first occurs in Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela or any country subject to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC).

Any express kidnapping or kidnapping as a result of fraudulent, dishonest or criminal act(s) by you or an authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine.

Anything mentioned in the General Exclusions.

Crisis Response Fees and Expenses means all fees and expenses of Unity Resources Group related to your kidnapping or express kidnapping.

Express Kidnapping means the actual or attempted abduction and holding of you against your will where your personal belongings and/or readily available assets are surrendered by you in exchange for your release.

Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release.

Being carried or transported by you when an express kidnapping or kidnapping first occurs; and

Are surrendered during the course of an express kidnapping or kidnapping.

Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand.

Personal Liability

We will pay:
Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:

Accidental bodily injury, including death, illness and disease to a third person; and/or

Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or

Accidental loss of or damage to a related third person’s material property (property that is both material and tangible);

We will not pay for claims arising directly or indirectly from

Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician;

Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession;

Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip;

Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity;

Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;

Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers;

Fraudulent, dishonest or criminal acts of you or any person authorised by you;

The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing;

Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies;

Gambling, gaming, or betting of any kind;

Animals or pets belonging to you, or in your care, custody or control;

Anything mentioned in the General Exclusions.

Specific Conditions

You or your legal representatives will give us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section.

No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent.

Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt.

We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons.

We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.

We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as:

The asserted claim is one that may be eligible for coverage under this insurance;

A lawsuit has not yet been filed, or, if already filed, no response has been filed;

You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and

A full proof of claim and other necessary documentation is satisfactorily provided to us.

Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person.

Related Third Person means any individual or natural person who is your relative, your traveling companion a relative of such traveling companion, and any other person, individual or family member with whom you are residing or being hosted.

Terrorism

We will pay:

Eligible Medical Expenses for treatment of injuries and illnesses resulting from an Act of Terrorism, up to the limit set forth in the Schedule of Benefits and Limits, provided all of the following conditions are met.
We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; and

You have no direct or indirect involvement in the Act of Terrorism; and

The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months immediately prior to your date of arrival; and

You have not failed to depart a country or location within 10 days following the date a warning to leave that country or location is issued by the United States government.

For the purpose of this insurance, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

We will not pay for claims arising from

Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense:

war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; and

the use of any biological, chemical, radioactive or nuclear agent, material, device or weapon; however, this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material for the purpose of medical treatment; and

any Act of Terrorism, not specifically covered above; and

coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) or (c) above; and

Anything mentioned in the General Exclusions.

If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you.

In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

Cancellation

We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

A $25 cancellation fee will apply for administrative costs incurred by us; and

Only the unused portion of the plan cost will be refunded; and

You cannot have filed any claims to be eligible for premium refund.

Eligibility

U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Individuals age 70 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.

Certificate Effective Date

Insurance hereunder is effective on the later of:

The moment we receive application and correct premium if application and payment is made online or by fax; or

12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or

The moment you depart from your home country; or

12:01am U.S. Eastern Time on the date requested on the application.

Certificate Termination Date

Insurance hereunder terminates on the earlier of:

11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or

11:59pm U.S. Eastern Time on the date requested on the application; or

The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

Home Country Coverage

Benefit Period

In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

Incidental Home Country Coverage

For Citizens and legal residents of the U.S, for every three month period during which you are covered, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period. For Non-U.S. residents or Non-U.S Citizens, for every three month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of 364 days.

Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole option, elect to cancel all members of the same sex, age, class or geographic location, provided we give no less than 30 days advance written notice by mail to your last known address.

Medical Monitoring – Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.

Provider Referrals – Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken

Lost Luggage Assistance – Tracking service to assist in locating luggage or other items lost in transit.

Other important Atlas travel Assistance Services include:

Prescription Drug Replacement

Emergency Travel Arrangements

Dispatch of Physician

Translation Assistance

Credit Card/Traveler Check Replacement

Atlas travel Assistance Services are not insurance benefits and provision of any Atlas travel Assistance Service is not a guarantee of any other benefit under the Atlas Series.

VantageAmerica Discount Card

Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.

Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.

Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.

Please note:

Card NOT Valid in AK, MA, MN, MT, VT, and Canada

Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.

Atlas Travel | Exclusions

Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as
herein defined, subject to the limits set forth in the Schedule of Benefits and Limits.

Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.

Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the
issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.

Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary
to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain.

Mental health disorders.

Pregnancy except as covered under Complications of Pregnancy, as herein defined, termination of pregnancy except
in connection with covered Complications of Pregnancy, all charges related to pregnancy after the 26th week of
pregnancy, routine prenatal care, child birth, postnatal care, and charges incurred by a child under the age of 14 days.

Promotion or prevention of conception including but not limited to: artificial insemination, treatment for
infertility, sterilization or reversal of sterilization.

Impotency or sexual dysfunction.

Venereal disease, including all sexually transmitted diseases and conditions.

Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions and direct consequences thereof.

Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken
in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.

Injury sustained while operating any motorized vehicle, aircraft or watercraft whether registered or not while
under the influence of alcohol as defined under the law of the jurisdiction where the injury occurs or with a .08 BAC whichever is lower.

Charges resulting from or occurring during the commission of a violation of law, including without limitation,
the engaging in an illegal occupation or act, but excluding minor traffic violations.

Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.

Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants,
eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances,
and all vision and hearing tests and examinations.

Orthoptics and visual eye training.

Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak,
strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.

Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.

While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment
in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an acute care hospital.

Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and
follows a surgery which was covered hereunder.

Modifications of the physical body intended to improve the psychological, mental or emotional well-being,
including but not limited to sex-change surgery.

Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery.

Exercise programs, whether or not prescribed or recommended by a physician.

Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).

Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control
and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months
immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have
failed to depart the country or location.

Cryo preservation and implantation or re-implantation of living cells.

Genetic or predictive testing.

Investigational, experimental or for research purposes.

Complications or consequences of a treatment or condition not covered hereunder.

Incurred outside your certificate period.

Submitted to us for payment more than 60 days after the last day of the certificate period.

Exceeding usual, reasonable and customary.

Not medically necessary.

Not administered by or under the supervision of a physician, and products that can be purchased without a doctor's prescription.

Provided by a relative, family member or any person who ordinarily resides with you.

Provided at no cost to you.

Telephone consultations or failure to keep a scheduled appointment.

When departure from the home country is to obtain treatment in the destination country/countries.

Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation
of Remains, Emergency Reunion, Natural Disaster, Return of Minor Children, Political Evacuation, and Trip Interruption sections of this insurance.

Payable under any government system, including the Australian Medicare system.

War, military action or while on duty as a member of a police or military force unit.

Not included as Eligible Expenses as described herein.

Pre-existing Condition: Any (1) condition for which medical advice, diagnosis, care, or treatment (includes
receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or
received during the 2 years immediately preceding the Certificate Effective Date; (2) condition that had manifested
itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care,
or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines)
within the 2 years immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or
other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with
reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the
Certificate Effective Date. For the purposes of the Complications of Pregnancy coverage offered hereunder, Pregnancy
will not be included within the definition of a Pre-existing Condition.

Who underwrites the Atlas Travel plan?

Lloyd’s of London is the underwriter of the Atlas Travel plan. They are rated A (Excellent) by AM Best Company and A+
(Strong) by Standard and Poor’s, meeting all visa requirements for the USA and countries around the world.

Am I eligible for the Atlas Travel plan?

The plan is available to anyone who is traveling outside of your Home Country and are at least 14 days old, you are
eligible for coverage. This includes international students, study abroad students, ESL students, foreign scholars,
dependents living internationally, travelers, chaperones, international business groups, etc.

Where will this plan cover me?

The Atlas Travel plan will cover you anywhere in the world, outside of your home country. If you are a US citizen,
your home country is automatically the USA regardless of your principal residence. For non-US Citizens, Home Country
is the country where you principally reside and receives regular mail.

When can I purchase my plan online?

You can purchase your plan up to six months in advance of your selected policy start date, however please note that
the full premium will be charged immediately at the time of the application. You are also able to purchase coverage
even if you have departed for your travels and in another country other than your home country.

When does my coverage become effective?

Your coverage becomes effective on the latest of:

We receive your application and payment (if application and payment is made online or by fax)

12:01am US Eastern Standard Time on the date we receive your application and payment (if application and payment
is made by mail)

The moment you depart for your home country, or

12:01am US Eastern Standard Time on the date you request on your application

When does my coverage end?

Your coverage will end on the earliest of:

12:01am US Eastern Standard Time on the last day of the period for which you have paid a premium,

12:01am US Eastern Standard Time on the date requested on your Application, or

The moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are
eligible for Home Country Coverage).

Will I get my documents immediately?

Yes, when you apply online we will send all your documents to you immediately via email. You can download these
documents, print them off and show them as proof of coverage. If you have applied for a plan and haven’t received
your policy documents, be sure to check your spam or bulk folder. Once you have applied online, within an hour you
will be able to log into the “Student Zone” to download your ID card,
visa letter, or get claims information.

Will I get my ID card and documents in the mail?

No, all documents are automatically emailed to you - however you can opt to have hard copies mailed to you when you
apply so please make sure to indicate this on the application form when you apply if this is your prefered option.

How do I get a visa letter?

Your visa letter is available by logging into the “Student Zone” and
selecting the “Visa Letter” option after you have applied.

What forms of payment do you accept?

We accept Visa, MasterCard, Discover and American Express credit and debit cards online. You are also welcome to use
a friend or family member’s credit or debit card with their permission. If you would prefer to pay using a check and
wire transfer, please contact us for more information.

What is a beneficiary?

A beneficiary refers to someone who is eligible to receive distributions from your insurance plan in case of your
death while covered under the policy. Under the Atlas Travel plan there are death benefits that will pay out a
financial sum if that were to happen, and so on the application you would need to define who would receive these
benefits. Typically you would put down your mother, father, brother, sister, husband, or wife as a beneficiary - but
you have the option to put anyone you want even if they are located outside your host country.

Can I extend or renew my coverage?

If your Atlas plan includes the US or if you are a US citizen – you can purchase coverage and extend up to a
total of 364 days.

If your Atlas plan excludes the US and you are not a US citizen – you can purchase and extend coverage up to 365
days. Once you have a full 365 days of coverage, you can renew your coverage up to two additional years.

Please note - Extensions and renewals may be completed through the
Student Zone before the plan expires and there is a $5 fee per extension or renewal.

My plan has expired, how can I reinstate it?

Once a plan has expired or lapsed, it cannot be reinstated or restarted. You can instead purchase a new plan and
begin coverage as soon as the same day. Apply now for the Atlas Travel if you’d like to purchase a new plan.

Can I cancel my Atlas Travel plan?

Yes, to be eligible for a full refund the cancellation request must be received prior to the effective date of your
insurance plan. Cancellation requests received after the effective date will be subject to the following conditions:

a $25 cancellation fee; and

only the unused portion of the plan cost will be refunded; and

only members who have no claims are eligible for premium refund.

All cancellation requests must be submitted in writing, we cannot accept cancellation requests over the phone. You
can send this request by email through our contact page.

Does this plan have vision or dental coverage?

The Atlas Travel plan does not cover vision, however it does offer limited dental coverage. The limited dental
coverage includes dental accidents and emergency dental treatment for unexpected pain - please see the plan benefits
page for full details.

Please note - routine dental check-ups such as cleanings are not covered —
if you are looking for a more comprehensive dental insurance plan, please see our dental discount plans.

What does Usual, Reasonable and Customary (URC) mean?

URC — which stands for Usual Reasonable and Customary — is either the lesser of 150% of the charges payable under the United States Medicare program, or the average cost charged by a provider for a specific procedure in a specific geographic area. For example, if a particular procedure costs $5,000 on average in the New York City, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment to "Usual Reasonable and Customary" — in this example, $5,000.

What is a deductible?

The deductible is the amount you are required to pay to your provider before the insurance company pays toward your
eligible expenses. On this plan, you can choose your deductible (options are: $0, $100, $250, $500, $1,000 and
$2,500) which is paid once per certificate period.

What is coinsurance?

Coinsurance is the percentage that the insurance will pay toward your medical bill after you have already paid your deductible.

Outside the USA/Canada

After your deductible, the insurance plan will cover 100% of your eligible expenses up to the policy maximum.

Inside the USA/Canada

After your deductible, the insurance plan will cover 80% of the next $5,000, then 100% up to the policy maximum. However, if you go to a provider that is in the First Health Healthcare Network (applies only in the US), after your deductible, the insurance will cover 100% of your eligible expenses up to the policy maximum.

Does the Atlas Travel Plan provide any home country coverage?

Yes, the plan provides the following home country coverage options:

Incidental Home Country Coverage

For every three months of coverage, the Atlas Travel will provide you with 15 days (for US citizens) or 30 days
(for non-US citizens) of medical expense coverage for incidental trips back to your Home Country. Return to your
Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while
traveling, and you must return to your host country to be eligible for this benefit.

Benefit Period Medical Coverage

A Benefit Period begins on the first day you receive a diagnosis or treatment of a covered Illness or Injury
while outside your Home Country and lasts for 90 days. If you started a Benefit Period while this insurance was
in effect, you are covered only for Medical expenses for the duration of the Benefit Period, regardless of
whether you are at home or abroad.

What is the VantageAmerica Discount Card?

For policies purchased with a United States destination, you will be provided with a VantageAmerica Discount Pharmacy Card. This card will provide discounts on most FDA approved prescription drugs at over 54,000 participating pharmacies across the United States, and will save you an average 5%-15% off the cash price for brand drugs and an average 15%-40% of the price of generic drugs.

Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.

Please note:

Card NOT Valid in AK, MA, MN, MT, VT, and Canada.

Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.

The discount is only available at participating pharmacies.

What doctors of hospitals (providers) can I go to?

You are free to visit any provider you wish with the Atlas Travel plan, however the plan does have an optional
network called the First Health Healthcare Network in the USA. If you stay inside the network you will have 100% coverage
after your deductible (if you have one). You can locate a nearby provider by visiting our
provider network search tool.

How are claims paid?

Claims will be paid depending on where you are located and where you seek treatment:

In-network while inside the USA

When you visit a provider that is part of the plan network your insurance bill is typically paid directly,
without the need for an insurance claim form. This setup will depend on the particular provider you go to and so
you will need to ask the provider before you seek treatment.

Out-of-network while inside the USA

When you visit a provider that is outside the network, you will need to pay for all services up front and then
submit a claim form for reimbursement.

Outside the USA

When visiting a provider around the world, please pay for the services up front and then submit a claim form for
reimbursement.

If you are hospitalized for an emergency or planned hospitalization you will need to call the 24 hour emergency
assistance number located on the back of your insurance ID card and they will assist you further with settling the
hospital bills.

Atlas Travel | Premiums

The Atlas Travel Medical Insurance plan provides coverage from as little as 5 days up to 364 days for both Non-US
Citizens and US Citizens. There are two main coverage options:

Please note - The benefit table listed above is a
consolidated version of the full plan benefits. Please view the plan certificate
(
Smart,
Budget,
Select and
Elite )
for the full benefits and limitations of the plan. All benefits, except Accidental Death & Dismemberment, are subject
to the Deductible and Coinsurance. Limits apply to all benefits.

Pre-Existing Medical Conditions

Charges resulting directly or indirectly from any pre-existing conditions are excluded from this insurance during the first six (6) months of coverage on the Elite and Select, during the first twelve (12) months on the Budget, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.

The Smart level does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.”

Pre-existing Condition means any

condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date

condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date;

injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.

Acute Onset of Pre-Existing Condition

You are covered

Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:

Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and

Is of short duration; and

Is rapidly progressive; and

Requires urgent care.

You Are Not Coveredunless you fulfil the following condition

The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or

The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time; or

The charges are for known, scheduled, required, or expected f care, drugs or treatments existent or necessary prior to the certificate effective date; or

Expenses arise directly or indirectly from anything in the General Exclusions.

Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Medical Expenses

We will pay

Charges made by a hospital for:

Daily room and board and nursing services not to exceed the average semi-private room rate; and

Daily room and board and nursing services in Intensive Care Unit; and

Use of operating, treatment or recovery room; and

Services and supplies which are routinely provided by the hospital to persons for use while inpatients;
and

Emergency treatment of an injury or illness, even if hospital confinement is not required. However,
charges for use of the emergency room itself within the U.S. will be subject to deductible as provided
under the Schedule of Benefits and Limits.

Surgery at an outpatient surgical facility, including services and supplies.

Charges made by a physician for professional services, including surgery. Charges for an assistant surgeon are
covered up to 20% of the usual, reasonable and customary charge of the primary surgeon, but standby availability
will not be deemed to be a professional service and therefore is not covered hereunder.

Dressings, sutures, casts or other supplies which are medically necessary and administered by or under the
supervision of a physician, but excluding nebulizers, oxygen tanks, diabetic supplies, supplies that are
available over the counter or without prescriptions, and support or brace appliances.

Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the
replacement or repair thereof.

Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder.

For radiation therapy or treatment and chemotherapy.

Hemodialysis and the charges by the hospital for processing and administration of blood or blood components but
not the cost of the actual blood or blood components.

Oxygen and other gasses and their administration by or under the supervision of a physician.

Anesthetics and their administration by a physician.

Drugs which require prescription by a physician for treatment of a covered injury or illness, but excluding
drugs: prescribed for the treatment of diabetes, replacement of lost, stolen, damaged, expired or otherwise
compromised drugs.

Care in a licensed extended care facility upon direct transfer from an acute care hospital.

Home nursing care in bed by a qualified licensed professional, provided by a home health care agency upon direct
transfer from an acute care hospital and only in lieu of medically necessary inpatient hospitalization.

Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in
inpatient hospitalization.

Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or
damaged in an accident which was covered under this insurance with the Budget, Select and Elite.

Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24
hours of the acute onset of pain with the Budget, Select and Elite.

Medically necessary rental of durable medical equipment (consisting of a standard basic hospital bed and or a
standard basic wheelchair) up to the purchase prices.

Physical therapy if prescribed by a physician for treatment of a covered injury or illness.

Routine and medically necessary care of newborns as provided in the Schedule of Benefits, provided that the
delivery of the newborn is covered hereunder.

Pre-natal care, delivery of newborn, and post-natal care related to a covered pregnancy which began after the
effective date of coverage with the Budget, Select and Elite.

For treatment of mental health disorders (including drug abuse and alcohol abuse with the Budget, Select and
Elite).

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Emergency Medical Evacuation

We will pay

Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and

Emergency ground transportation necessarily preceding emergency air transportation; and from the destination airport to the hospital where you will receive treatment.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The illness or injury giving rise to the expense are covered under this insurance; and

Transportation by any other method would result in the loss of your life or limb; and

Recommended by the attending physician who certifies to the above; and

Agreed upon by you or your relative; and

The condition giving rise to the Emergency Medical Evacuation occurred spontaneously and without advance
warning, either in the form of physician recommendation or symptoms which would have caused a prudent person to
seek medical attention prior to the onset of the emergency.

We will not pay for claims arising directly or indirectly from

Travel arrangements, excluding Emergency Local Ambulance, that are not approved in advance and coordinated by us; and

Anything mentioned in the General Exclusions.

We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to provide the medically
necessary treatment, services and supplies to prevent your loss of life or limb.

The timeliness of arrangements can be affected by circumstances which are not within our control such as:
availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems,
government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for
any delays that are not within our direct and immediate control.

Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home
country if the attending physician and our medical consultant agree that transfer to the home country is more
appropriate than transfer to the nearest qualified hospital.

Repatriation of Remains

We will pay

Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and

Reasonable costs of preparation of the remains necessary for transportation.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

When the illness or injury giving rise to the expense are covered under this insurance.

We will not pay for claims arising directly or indirectly from

Travel arrangements that are not approved in advance and coordinated by us; and

Anything mentioned in the General Exclusions.

We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.

The timeliness of arrangements can be affected by circumstances which are not within our control such as:
availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems,
government officials, telecommunications problems, weather and other acts of God. You agree to hold us harmless and
we shall not be held liable for any delays that are not within our direct and immediate control.

Emergency Reunion

We will pay

The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the
terminal serving the area where you are hospitalized or are to be hospitalized following Emergency Medical
Evacuation; and

Reasonable expenses for lodging and meals for the relative, which are incurred in the area where you are
hospitalized for a period not to exceed 15 days.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Only following a covered Emergency Medical Evacuation, or

You are hospitalized as an inpatient for at least five days due to a life-threatening covered condition.

Emergency Reunion benefits not related to an Emergency Medical Evacuation will be paid only following the end of the minimum five day inpatient stay.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Accidental Death and Dismemberment (Select and Elite only)

We will pay

Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.

Loss of 2 or more Limbs or eyes – we will pay the amount indicated in the Schedule of Benefits to you.

Loss of 1 Limb or eye – we will pay one-half of the amount indicated in the Schedule of Benefits to you.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to
by illness or disease; and

In no event will our payment under this benefit total more than the principal sum.

We will not pay for claims arising directly or indirectly from

Accidents or loss caused by or contributed to by any of the following:

Terrorism, war or act of war, whether declared or undeclared.

Your participation in a riot, insurrection or violent disorder.

Your service in the armed forces of any country.

Suicide or attempted suicide or self-inflicted injury, while sane or insane.

The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a
physician.

Committing or attempting to commit a felony.

Sickness, mental health disorder, or pregnancy.

As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred,
whether directly or indirectly,

Myocardial infarction or cerebrovascular accident (CVA / Stroke).

Infection, except infection through a wound caused solely by an accident.

Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft,
learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being
used for any purpose other than passenger transportation.

Medical or surgical treatment for any of the above.

Any non-covered sports activities.

Anything mentioned in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any accidental death benefit.

Sports and Activities

Subject to the limit set forth in the Schedule of Benefits and Limits, you are covered for injury or illness sustained while taking part in sanctioned intercollegiate, interscholastic, intramural, or club sports.

We will not pay for claims arising directly or indirectly from

Sports or athletics not sanctioned by your school; and

Any activity performed in a professional capacity or for any wage, reward, or profit; and

Any activity performed in a professional capacity or for any wage, reward, or profit; and

Anything mentioned in the General Exclusions; and

Any of the excluded items listed below:

Aviation (except when traveling solely as a passenger in a commercial aircraft)

Base Jumping

BMX freestyle

Bungee Jumping

Free-Diving

Hang-Gliding

Jet Skiing

Mountaineering where a reasonably prudent person would use ropes or guides or at elevations of
4,500 meters or higher

Parachuting

Racing by any Animal, Motorized Vehicle, or BMX

Skateboarding

Sky Diving

Sky Surfing

Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or
snowboarding (no cover provided while skiing away from prepared and marked in-bound territories
and/or against the advice of the local ski school or local authoritative body)

Personal Liability (Elite Only)

Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:

Accidental bodily injury, including death, illness and disease to a third person; and/or

Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or

Accidental loss of or damage to a related third person’s material property (property that is both material and tangible);

We will not pay for claims arising directly or indirectly from

Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a
licensed physician;

Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with
you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in
connection with any trade, business or profession;

Loss or damage to property belonging to or held in trust by or in the custody or control of you other than
temporary accommodation occupied by you in the course of the trip;

Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you
or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider,
firearms, fireworks, explosives, deadly weapons, or any racing activity;

Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;

Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land
or buildings, immobile property or caravans or trailers;

Fraudulent, dishonest or criminal acts of you or any person authorised by you;

The consequences of any breach, violation or failure to perform any contractual undertakings or obligations,
whether verbal or in writing;

Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or
regulatory bodies;

Gambling, gaming, or betting of any kind;

Animals or pets belonging to you, or in your care, custody or control;

Anything mentioned in the General Exclusions.

Specific Conditions

You or your legal representatives will give us written notice immediately if you have received notice of any
prosecution or inquest in connection with any circumstances which may give rise to liability under this section.

No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior
written consent.

Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and
immediately upon receipt.

We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to
prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or
persons.

We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of
any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this
payment is made we shall relinquish the conduct and control and be under no further liability in connection with
such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such
payment.

We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to
you or for your benefit to settle and compromise an asserted claim against you so long as:

The asserted claim is one that may be eligible for coverage under this insurance;

A lawsuit has not yet been filed, or, if already filed, no response has been filed;

You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and

A full proof of claim and other necessary documentation is satisfactorily provided to us.

Third Person means any individual, natural person, or other legal entity or person, other than you or a related third
person.

Related Third Person means any individual or natural person who is your relative, your traveling companion a relative
of such traveling companion, and any other person, individual or family member with whom you are residing or being
hosted.

Terrorism (Budget, Select and Elite only)

We will pay

Eligible Medical Expenses for treatment of injuries and illnesses resulting from an Act of Terrorism, up to the limit set forth in the Schedule of Benefits and Limits, provided all of the following conditions are met.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear
agent, material, device or weapon; and

You have no direct or indirect involvement in the Act of Terrorism; and

The Act of Terrorism is not in a country or location where the United States government has issued a travel
warning that has been in effect within the 6 months immediately prior to your date of arrival; and

You have not failed to depart a country or location within 10 days following the date a warning to leave that
country or location is issued by the United States government.

For the purpose of this insurance, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

We will not pay for claims arising from

Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense:

war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or
not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or
amounting to an uprising, military or usurped power; and

the use of any biological, chemical, radioactive or nuclear agent, material, device or weapon; however,
this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material
for the purpose of medical treatment; and

any Act of Terrorism, not specifically covered above; and

coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with any action taken in controlling, preventing, suppressing or in any
way relating to (a), (b) or (c) above; and

Anything mentioned in the General Exclusions.

If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance,
the burden of proving the contrary shall be upon you.

In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in
full force and effect.

Cancellation

We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not
meet with your requirements, please notify us of your wish to cancel and we will refund your premium.

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

A $25 cancellation fee will apply for administrative costs incurred by us; and

Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the
plan will be refunded; and

You cannot have filed any claims to be eligible for premium refund; and

No refund of premium shall be granted after 60 days.

Eligibility

You must be under age 65; and

A full-time student at a college or university (excluding online colleges and universities); or

Within 31 days of being a full-time student at a college or university; or

A student under age 19 enrolled in a secondary school; or

A full-time scholar affiliated with an educational institution and performing work or research for at
least 30 hours per week;

You must be residing outside your home country for the purpose of pursuing international educational activities;
and

You must not have obtained residency status in your host country; and

If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.

J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a
valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding
M-1, or other category visas.

Certificate Effective Date

Insurance hereunder is effective on the later of:

The moment we receive application and correct premium if application and payment is made online or by fax; or

12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is
made by mail; or

The moment you depart from your home country; or

12:01am U.S. Eastern Time on the date requested on the application.

Certificate Termination Date

Insurance hereunder terminates on the earlier of:

11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or

11:59pm U.S. Eastern Time on the date requested on the application; or

12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or

The moment of arrival upon your return to your home country (unless you have started a benefit period or are
eligible for home country coverage).

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in
accordance with this provision, we will pay eligible medical expenses for up to 60 days beginning on the first day
of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this
certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for
which you are hospitalized as an inpatient on the termination date of the certificate.

Home Country Coverage

Benefit Period – In the event you begin a benefit period while the certificate is in effect, and the certificate
terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your
home country during the benefit period. Home country coverage applies only to eligible medical expenses for which
you are hospitalized as an inpatient on the termination date of the certificate.

Incidental Home Country Coverage –For every three month period during which you are covered, eligible medical
expenses are covered up to a maximum of 15 days for any three month period.

Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your
international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or
injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage
is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit
or an eligible benefit period.

Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of 364 days. Any
extension is based upon the eligibility rules in force and is solely at our discretion.

Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole option, elect to
cancel all members of the same sex, age, class or geographic location, provided we give no less than 30 days advance
written notice by mail to your last known address.

Consultations with attending medical professionals during your hospitalization and establishment of a single
point-of-contact for family members to receive ongoing updates regarding your medical status.

Provider Referrals

Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your
destination country where English is spoken

Tracking service to assist in locating luggage or other items lost in transit.

Other important travel Assistance Services include:

Prescription Drug Replacement

Emergency Travel Arrangements

Dispatch of Physician

Translation Assistance

Credit Card/Traveler Check Replacement

The Travel Assistance Services are not insurance benefits and provision of any travel Assistance Service is not a
guarantee of any other benefit under the plan.

VantageAmerica Discount Card

Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.

Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many
local community pharmacies.

Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.

Please note:

Card NOT Valid in AK, MA, MN, MT, VT, and Canada

Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.

Immunizations, routine physical exams, and other diagnostic labs, x-rays, and procedures for screening or preventative purposes.

Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary
to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of
acute onset of pain under the Budget, Select and Elite levels.

Mental health disorders if treatment is obtained at a student health center.

Physical therapy if treatment is obtained at a student health center.

Chiropractic treatment, unless ordered in advance by a physician for medically necessary treatment related to a
covered injury or illness, and not obtained at a student health center.

Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken
in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.

Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a physician.

Charges resulting from or occurring during the commission of a violation of law, including without limitation,
the engaging in an illegal occupation or act, but excluding minor traffic violations.

Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism.

Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants,
eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances,
and all vision and hearing tests and examinations.

Orthoptics and visual eye training.

Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak,
strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.

Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.

While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment
in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an acute care hospital.

Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and
follows a surgery which was covered hereunder.

Modifications of the physical body intended to improve the psychological, mental or emotional well-being,
including but not limited to sex-change surgery.

Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery.

Exercise programs, whether or not prescribed or recommended by a physician.

Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).

Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control
and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months
immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have
failed to depart the country or location.

Investigational, experimental or for research purposes.

Complications or consequences of a treatment or condition not covered hereunder.

Incurred outside your certificate period.

Submitted to us for payment more than 60 days after the last day of the certificate period.

Exceeding usual, reasonable and customary.

Not medically necessary.

Not administered by or ordered by a physician.

Provided by a relative, family member or any person who ordinarily resides with you.

Provided at no cost to you.

Telephone consultations or failure to keep a scheduled appointment.

When departure from the home country is to obtain treatment in the destination country/countries.

Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation,
Repatriation of Remains, and Emergency Reunion sections of this insurance.

Payable under any government system, including the Australian Medicare system.

War, military action or while on duty as a member of a police or military force unit.

Underwriter

Who underwrites the Student
Secure plan and what is their rating?

Lloyd’s of London is the underwriter of the Student Secure plan. They are rated A (Excellent) by AM Best Company and
A+ (Strong) by Standard and Poor’s, meeting all visa requirements for the USA and countries around the world.

Eligibility

Where will this plan cover
me?

The Student Secure plan will cover you anywhere in the world, as long as you are outside of your home
country.

Am I eligible to apply for the Student Secure?

If you are a student in the USA on an F1 or J1 visa, you are automatically eligible for the Student Secure plan.

For those on other visa types, or those studying outside of the US, you will need to be a full-time student or
scholar, or within 31 days of being a full-time student.

Will this plan work for me while on OPT/CPT?

Yes, students on OPT or CPT are eligible for
the Student Secure, even while on post-completion OPT, as long as you maintain valid F1 status.

Does this plan work for scholars?

Yes, full-time scholars who are outside of their home
country and affiliated with an educational institution and performing work or research for at least 30 hours per
week are eligible for the Student Secure plan. These activities may include but are not limited to performing
research in an area of specialty or teaching for a temporary period of time. This requirement is waived for
participants in the US with a valid F1 or J1 visa.

Are my spouse and children eligible for the plan?

No, spouses and children are not eligible for the Student Secure plan, however if you need dependent coverage please
see our other insurance options.

Application Help

When can I apply for the
plan online?

Coverage can be purchased online from anywhere up to 6 months before your chosen start date,
right up until the very same day you are traveling.

Will I get an ID card?

Yes, you will receive an electronic PDF version of your insurance
ID card immediately by email, and you can also choose to receive a physical ID card in the mail by selecting the
“Email and Regular Mail” option on the application.

When will I get my documents?

When applying online, you will receive all your insurance
documents, including your ID card and receipt of purchase, immediately by email. These documents can be printed out
as proof of coverage.

If you would like physical documents to be mailed, make sure you choose the “Email and
Regular Mail” option on the online application. Physical delivery time will depend on the postal service, with
delivery to a US address taking about one week and international addresses may take about 2-3 weeks. Express
delivery is also available for an additional $20 if your address is in the US or an additional $30 if your address
is outside the US. Please Note: There is no additional fee to mail your documents with the regular
mail option.

What forms of payment do you accept?

We accept all major credit or debit cards including
Visa, MasterCard, Discover and American Express. You are also welcome to use a friend or family member’s credit or
debit card with their permission to purchase the plan. If you would prefer to pay using a check and wire transfer,
please contact us for more information.

What is a Beneficiary?

The Student Secure Select and Elite plan has a death benefit that
would be paid out to the beneficiary in case of death. The beneficiary is the name of the person who would receive
this death benefit. Most students put the name of their mother, father, brother, sister, husband or wife - however
you can put any name you wish, including your estate.

Renewability, Extensions and Cancellations

Can I extend or renew my insurance plan?

Yes. If you purchase your policy for less than 364 days, you can extend the plan up until you have a full 364 days
of coverage. Once you have a full 364 days of coverage, you can then renew your plan for another year. If you
continue to meet the eligibility requirements and don’t have any breaks in coverage, you can extend and renew your
policy for up to a total of 4 years. Please note that there is an additional $5 fee per extension or renewal. All
extensions and renewals can be done quickly and easily through your Student Zone
account.

My plan has expired, how can I reinstate it?

Once a plan has expired or lapsed, it cannot
be reinstated. You can instead purchase a new plan and begin coverage as soon as the same day.
Please click here to apply online again.

Can I cancel my Student Secure plan?

To be eligible for a full refund, the request for
cancellation must be received prior to the effective date of your policy.

Cancellation requests received after
the effective date will be subject to the following conditions:

A $25 cancellation fee will apply, if paid in full.

Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded.

Only members who have no claims are eligible for premium refund.

After 60 days, no refunds are granted.

If you have only purchased 1 months coverage and cancel within that month, no refund will be due.

Understanding Your Coverage

Does this plan cover
maternity?

Yes, the Student Secure Budget, Select and Elite do cover pregnancies if conception occurs after
the policy effective date. Benefits include, but are not limited to, pre-natal, delivery, and post-natal care as
well as expenses for miscarriage and complications of pregnancy. Routine nursery care of newborns is also
covered.

Please note - the Student Secure Smart plan does not provide maternity coverage and if you are
pregnant before the policy effective date, costs related to the pregnancy will not be covered.

Are sports covered under this policy?

The Student Secure Budget, Select and Elite levels
all cover medical expenses for injuries and illnesses that result from participation in intercollegiate,
interscholastic, intramural, or club sports up to a maximum of $5,000 per Injury or Illness with the Select and
Elite levels and $3,000 per injury or Illness with the Budget level.

Does this plan have vision or dental coverage?

The Student Secure plan does not provide
any coverage for vision.

Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage
of $250 per tooth up to a maximum of $500 on the Budget, Select and Elite plans only. Regular dental check-ups or
visits are not covered - however if you do have unexpected dental pain the plan will pay $100 towards expenses for
treatment for this pain if you are on the Budget, Select or Elite plans. The Smart level does not provide any dental
coverage. If you require a more comprehensive dental insurance plan, please see our dental
plans.

What does Usual Reasonable and Customary (URC) mean?

Usual Reasonable and Customary (URC) is
a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical
expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific
geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers
customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York
City $10,000 for the same exact procedure. Instead, they will limit their payment amount to "Usual Reasonable and
Customary" - in this example, $5,000.

What is the difference between the Smart, Budget, Select and Elite plans?

The Student Secure plan comes in four plan options; Smart, Budget, Select and Elite. The main differences between
the four plans falls into two main areas 1) Differences in benefit levels and 2) Out of Pocket expenses you will
need to pay.

The main benefit differences are as
listed in our benefits table,
where the Elite typically has higher coverage levels for each benefit, and then the Smart, Budget and Select plans
are more restricted or may not cover all benefits. For the out of pocket differences, please see the Frequently
Asked Questions listed below as they deal with the deductible and coinsurance differences on each plan level.

What is the copay or out of pocket cost on this plan?

The Student Secure plan does not have
a copay but the plan does have two out of pocket expenses: the deductible and the coinsurance.

What is a deductible?

The deductible is the amount you are required to pay to the
doctor or hospital before the insurance company will pay toward your eligible expenses. On the Student Secure plan,
it is paid once for every new illness or injury - not per visit. If you became ill or injured and went to the doctor
you would pay the deductible, but if you went for a follow-up visit on that same condition you would not need to pay
the deductible again since you’ve already paid it for that condition.

The deductible on the Student Secure is represented in the table below:

Treatment Received:

Inside the PPO Network in the USA, or Outside the USA, or At a Student Health
Center

Outside the PPO Network in the USA

Smart Plan

$50

$100

Budget Plan

$45

$90

Select Plan

$35

$70

Elite Plan

$25

$50

What is coinsurance?

After the deductible, coinsurance applies to your benefits, and
this is the cost sharing between you and the insurance plan. This is typically referred to as a percentage that
the plan will pay, for example if there is 80% coverage - the insurance plan will pay 80% and you will need to pay
the remaining 20%.

The coinsurance on the Student Secure plan is as follows:

Smart plan is 80% coverage

Budget plan is 80% coverage for the first $25,000 of your medical cost, then 100% after

Select plan is 80% coverage for the first $5,000 for your medical cost, then 100% after.

Elite plan is 100% coverage*

* When seeking treatment inside the PPO network or at Student Health Center.

Will I get home country coverage?

The Student Secure will cover you up to 15 days for medical expenses ONLY if you return back to your home country
for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days -
either to the host country or another country en route to your host country. Please also note that the return to
your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began
when you were abroad.

Seeking Treatment

Which doctors or
hospitals can I go to?

You are free to visit any doctor or hospital (known as providers) that you wish to seek treatment from. However we
do suggest you visit these providers as they are typically better placed to treat you:

Student Health Center

Most schools offer a student health center which should be your first option in seeking treatment

When visiting the Student Health Center and First Health Network your insurance payments will be less, as
per the full table of benefits — so there are advantages to staying within these locations.

How are claims paid?

Claims are paid depending on where you are located and where you seek
treatment:

In-network while inside the USA

When you visit a provider that is part of the First Health Network your insurance bill is typically paid directly.
You will need to complete a claim form and email this to service@hccmis.com for processing.

Out-of-network while inside the USA

When you visit a provider that is outside the network, you will need to pay for all services up front and then
submit your bills and receipts, along with a claim form for reimbursement.

Outside the USA

When visiting a provider around the world, please pay for the services up front and then submit a claim form for
reimbursement.

If you are hospitalized for an emergency or planned hospitalization you will need to call the 24 hour emergency
assistance number located on the back of your insurance ID card and they will assist you further with settling the
hospital bills.

Student Secure | Premiums

The Student Secure plan provides coverage for international students and study abroad students around the world
outside of their home country. There are 4 main plans to choose from that offer:

Worldwide including the USA - for international students in the USA

Worldwide excluding the USA - for study abroad and international students around the world

Monthly Rates

Worldwide Including the USA

Smart

Budget

Select

Elite

Under 18

$39.00

$55.00

$111.00

$155.00

18-24

$29.00

$44.00

$89.00

$124.00

25-30

$64.00

$75.00

$187.00

$262.00

31-40

$131.00

$181.00

$380.00

$532.00

41-50

$230.00

$322.00

$675.00

$945.00

51-64

$311.00

$433.00

$910.00

$1273.00

Worldwide Excluding the USA

Smart

Budget

Select

Elite

Under 18

$36.00

$48.00

$83.00

$116.00

18-24

$29.00

$39.00

$66.00

$93.00

25-30

$33.00

$39.00

$66.00

$93.00

31-40

$66.00

$89.00

$144.00

$202.00

41-50

$118.00

$224.00

$324.00

$454.00

51-64

$171.00

$304.00

$413.00

$578.00

Daily Rates

Worldwide Including the USA

Smart

Budget

Select

Elite

Under 18

$1.28

$1.81

$3.65

$5.10

18-24

$0.95

$1.45

$2.93

$4.08

25-30

$2.10

$2.47

$6.15

$8.61

31-40

$4.31

$5.95

$12.49

$17.49

41-50

$7.56

$10.59

$22.19

$31.07

51-64

$10.22

$14.24

$29.92

$41.85

Worldwide Excluding the USA

Smart

Budget

Select

Elite

Under 18

$1.18

$1.58

$2.73

$3.81

18-24

$0.95

$1.28

$2.17

$3.06

25-30

$1.08

$1.28

$2.17

$3.06

31-40

$2.17

$2.93

$4.73

$6.64

41-50

$3.88

$7.36

$10.65

$14.93

51-64

$5.62

$9.99

$13.58

$19.00

You can choose to pay upfront, or monthly with your credit card

Coverage is available from 15 days up to 364 days with the option to renew